https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232458
Uni card one of the useless credit line card.
Uni card discussion
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Paytm is asking for hefty 2.65% charges for loading Paytm wallet with UNI card.Any other useful wallet where we can load using UNI Card without much or with zero charges?
Also,suggest any Free/less charges way to transfer money from UNI card to bank?
Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
Top Comments
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232462
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232466
The worst card in the market is Unicard
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232470
longlivesonusood wrote:@ZNZ @SastaRaju @RockyBond @Suman_Kolkata @pranavcool @SandipxDip @Seinfeld @Gaurav_G @freedealexpert @desiman @Seinfeld @cadence @BlueFlash @RockyBond @VimAl_Raj @adi22raj @TEMPER @cadence @DimeDime @desiman @Swaggamer @pikkuboss @AJ89 @hritikviko
Never took any credit line based cards bro..so no idea
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232471
longlivesonusood wrote:@ZNZ @SastaRaju @RockyBond @Suman_Kolkata @pranavcool @SandipxDip @Seinfeld @Gaurav_G @freedealexpert @desiman @Seinfeld @cadence @BlueFlash @RockyBond @VimAl_Raj @adi22raj @TEMPER @cadence @DimeDime @desiman @Swaggamer @pikkuboss @AJ89 @hritikviko
No uni card here. U can add to mobikwik or ola if it is useful to u
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232472
longlivesonusood wrote:@ZNZ @SastaRaju @RockyBond @Suman_Kolkata @pranavcool @SandipxDip @Seinfeld @Gaurav_G @freedealexpert @desiman @Seinfeld @cadence @BlueFlash @RockyBond @VimAl_Raj @adi22raj @TEMPER @cadence @DimeDime @desiman @Swaggamer @pikkuboss @AJ89 @hritikviko
Don’t have UNI card bro. So Can’t say
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232510
Don’t opt for any credit line based prepaid card.
EVER.
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232521
ZNZ wrote:Don’t opt for any credit line based prepaid card.
EVER.
+1
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232523
@longlivesonusood no unicard here bro. Sorry can’t help.
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232562
Don’t have unicard bro, sorry @longlivesonusood;
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232620
Sorry don’t use this Uni or any other prepaid card.
Found this interesting video on uni (watch it on 2x).
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232627
Sorry, bro, no idea.
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232686
I hv but I used only for swiggy 75% discount offer.
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232699
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232782
Try loading 4000 in paytm through uber/zomato
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232862
Any CC load money will attract this charge
Load with Uber /Zomato for 4k free each month
And ditch the useless pos uni card and get an actual credit card
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232880
bhai kya problem h uni card se? yeah it’s a credit line, so what?
as long as you keep paying the bills on time and don’t spend what you can’t pay back, it should be fine. Please don’t generalise it to category of scams/frauds like dhani
free paytm load with zomato and uber are only ways that I’m aware of
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232898
I read everywhere here that don’t go for uni / slice or dhani. Uni gives 1% cash back. Slice gives offers like Amazon cashback etc. What can be wrong if we just use for such offers only and pay in time just like any other card ?
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232962
Sudarshan61 wrote:Uni card one of the useless credit line card.
paji what is the difference between credit card and credit line card?
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232969
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kukdookoo wrote:paji what is the difference between credit card and credit line card?
credit line works like prepaid card but will appear like loan on CIBIL reports ..
as prepaid card can’t use 3rd party apps for bill payment..most don’t work on wallet as well ..in short useless offering (I closed it within a month without using .. wasn’t aware when I applied ).
https://twitter.com/sud_tweet/status/1413740404...
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8232970
Dev7162 wrote:I read everywhere here that don’t go for uni / slice or dhani. Uni gives 1% cash back. Slice gives offers like Amazon cashback etc. What can be wrong if we just use for such offers only and pay in time just like any other card ?
if intention is offers. Much better options are available.
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8233267
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MrKool_JJ wrote:Any specific reason why? 😰
It comes as loans on CIBIL. There have been many cases reported where in the credit line offering nfbcs report multiple loans and even late payment despite a single card being used and payments done timely. My friend had a credit line card and to his suprise, his education loan was rejected because he had a default reported by this nbfc.
Loans also make your cibil report look unattractive which makes it harder to get real loans because the bank see that as an additional loan request when you already have one.
While this doesn’t happen for all, it’s not guaranteed that it won’t happen to you. Also, you cannot close slice account on cibil. If you request for closure, they only make it inactive and it stays on CIBIL for life unless you get this escalated which many Indian people don’t (they don’t even check CIBIL score timely, how would they know its impact). @noobDealer
Hope these two videos help -
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8233368
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Fanil wrote:It comes as loans on CIBIL. There have been many cases reported where in the credit line offering nfbcs report multiple loans and even late payment despite a single card being used and payments done timely. My friend had a credit line card and to his suprise, his education loan was rejected because he had a default reported by this nbfc.
Loans also make your cibil report look unattractive which makes it harder to get real loans because the bank see that as an additional loan request when you already have one.
While this doesn’t happen for all, it’s not guaranteed that it won’t happen to you. Also, you cannot close slice account on cibil. If you request for closure, they only make it inactive and it stays on CIBIL for life unless you get this escalated which many Indian people don’t (they don’t even check CIBIL score timely, how would they know its impact). @noobDealer
Hope these two videos help -
alright, thanks for the explanation and valid concerns btw
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8233571
uni card gives 1% cb on fuel.
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8233675
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Fanil wrote:It comes as loans on CIBIL. There have been many cases reported where in the credit line offering nfbcs report multiple loans and even late payment despite a single card being used and payments done timely. My friend had a credit line card and to his suprise, his education loan was rejected because he had a default reported by this nbfc.
Loans also make your cibil report look unattractive which makes it harder to get real loans because the bank see that as an additional loan request when you already have one.
While this doesn’t happen for all, it’s not guaranteed that it won’t happen to you. Also, you cannot close slice account on cibil. If you request for closure, they only make it inactive and it stays on CIBIL for life unless you get this escalated which many Indian people don’t (they don’t even check CIBIL score timely, how would they know its impact). @noobDealer
Hope these two videos help -
I’ve never defaulted any payment on any of my card o.O
Slice is a decent card which offers good deals too. But now even if i close it my CIBIL status will just show inactive for this type of account right?
Abi me kya karu pir….
I always strive to maintain my CIBIL score above 780….
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8233683
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MrKool_JJ wrote:I’ve never defaulted any payment on any of my card o.O
Slice is a decent card which offers good deals too. But now even if i close it my CIBIL status will just show inactive for this type of account right?
Abi me kya karu pir….
I always strive to maintain my CIBIL score above 780….
Refer the second video for permanent closure. Yes , it will stay on CIBIL but as closed account which is way more better than it being active. You can just call CC and ask for permanent closure and if they deny clearly inform them in that case you’ll escalate it with ombudsman team if it’s not closed. They should and in case they don’t, just as in the YouTube video, drop a mail to ombudsman (email in description of the video) and loop slice team as well. It will be closed in 3-5 days
https://www.desidime.com/discussions/uni-card-discussion?page=1#post_8233730
Expand
Fanil wrote:Refer the second video for permanent closure. Yes , it will stay on CIBIL but as closed account which is way more better than it being active. You can just call CC and ask for permanent closure and if they deny clearly inform them in that case you’ll escalate it with ombudsman team if it’s not closed. They should and in case they don’t, just as in the YouTube video, drop a mail to ombudsman (email in description of the video) and loop slice team as well. It will be closed in 3-5 days
Oh yes..He did explain everything…
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Don’t opt for any credit line based prepaid card.
EVER.